So you graduate and are making $45,000 a year – feeling like a big shot. Or not, because 25% of your monthly income is going to rent and 20% to student loans. After you pay for gas and food – you have about $100 that should probably going to some savings account but that’s boring.

I was talking to my grandma about money and she said to me, “Well, do you have a budget? It worked for us and maybe you want to try it.” What kinda silly, simple question is that? Do I have a budget?! I don’t need that – it’s 2018 my online bank tracks that stuff!